Tag: Tips for Homebuyers
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What Is a Down Valuation and How Does It Affect Your Mortgage?
Learn what a down valuation is, why it happens, and how it affects your mortgage or remortgage options. Expert insights from Emily’s Mortgage Services to help you navigate UK property valuations with confidence
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Why Is My First Mortgage Payment Higher Than Expected?
Wondering why your first mortgage payment is higher than expected? Learn the reasons behind it and how to prepare with expert advice from Emily’s Mortgage Services.
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How To Get a Mortgage When You’re Self-Employed
Self-employed individuals seeking mortgages face unique challenges, as lenders require extensive documentation to verify income stability. Despite higher risks and potential for higher costs, many lenders are becoming more accommodating. Thorough preparation, including financial records and consultation with specialists, can facilitate a successful mortgage application for self-employed borrowers.
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Deposit Saved? Here’s How to Make Sure You Can Afford the Monthly Mortgage Payments
Saving the deposit is only step one. Learn how rates, term length, and loan size affect your monthly mortgage payments — with real examples for 2025 buyers.
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Starter Home vs. Dream Home — Which Should You Buy
Debating a starter home or holding out for your dream property? Explore the pros and cons of each — from equity growth to affordability and lifestyle choices.
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Fixed Rate Mortgage Ending? What It Means for Your Monthly Payments in 2025
Worried about your fixed rate ending? Discover how much your mortgage payments could rise in 2025 and explore your options to stay in control.
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Conditional Selling Scandal: The Dark Side of UK Estate Agency Practices
Conditional selling in UK estate agencies has raised significant concerns among buyers and brokers, involving pressure to use in-house services. This illegal practice undermines transparency, increases costs, and complicates transactions. Advocacy for stronger regulations and consumer awareness is growing. Buyers are advised to know their rights and seek independent services.
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✅ Top 10 Things to Check When Viewing a Property – First-Time Buyer Guide (UK)
First-time home buyer in the UK? Discover the top 10 essential things to look for when viewing a house, from damp checks to plumbing and electrics.
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Why It’s Crucial to Read Your Mortgage Illustration (ESIS) Before Signing
Before you agree to a mortgage, make sure you’ve read and understood your mortgage illustration. Here’s why it matters—and what to look for.
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